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<br /> TODE'('HF.R WITfI ul l�hc +mprovements now or hercafter erected on the propeny, und all eusements,appunenances, u►xl
<br /> Gxturcr nmv ��n c�rcuilcr ��purt of thc property. AU rcplaccments und uddidons shull ulxo bc covcrcd by this Sccurity
<br /> Instrument.All uf the 1'oresi�ing i�rcPcrred to in this Security (nstrument us the "Properry."
<br /> BORHQW6R COVENANTS thut Borrower is Inwfully seisod af the cstate hcreby conveyed und hus thc right to gran►und
<br /> cnnvey the Pruperiy iind th�it ihe pn��krty iti unencumt►ereci, except for encumhrnnces c�f rernrd. Bnrrower wnrnmts nnd will
<br /> defend generidly thc tid�to the Property ugainst ull cluims und demunds,�;ubject to any e�cumbrnnces af recurd.
<br /> THIS SI?CURITY INSTRUMGNT combincs uniform mvcnants fnr national usc rind non-uniform covenunts with limited
<br /> vuriations by jurisdletio�i ta constitute u uniforni securiry instrument covering real property.
<br /> UNIFORM COVENANTS. Borrower unci Lendercovenunt und ugree c�s Foltaws:
<br /> 1. Poyment of Principol and lnterest; Prepayment and I.ate Churges. Borrawer sbnll promptly pay when due thc
<br /> principal of und interetit an the debt evidenc«i by the Note and any prepayment and late charges due under the Note.
<br /> 2. Funds for Tax�and Insurs�nce. Sub}ect to upplicable law or to a writton waiver by I.endcr, Barrower shall pay to
<br /> Lendcr on thc day mnnthly payments arc duc wider the Note, until thc Note ls paid'en full,a sum("Funds")f�r: (A)yearly taxes
<br /> and assessmcnts which may auain priority over this Security[nstrument os a licn an the Propeny;(b)yc,�►rly lcaschald payments
<br /> or ground rents on the Pruperty, if any;(c)yeArly hivard or property insurancc prcmiums;(d)yearly flaad insurancc premiums,
<br /> if any; (e)yearly mortgnge insurance premiums. if any; and (�uny sums payuble by Borrower to Lender, in accoidance with
<br /> the pravisions of pAragraph 8,in lieu nf the payment of mongage insurance premiurns.These items are called "Escrow items."
<br /> Leixter n�ay, ut nny tinie,collect and hold T'unds in an amount not to exceed the meximum wnomu u I�nd�r fur a federally
<br /> related mongage loan may rer�uire f�r Borrower's escrow uccount under the federul Real Bstate Settlement Procedures Act of
<br /> t974 as ame�dal from time to time, 12 U.S.C. Section 2b01 et seq. ("RESPA"),unless another law thut applics to the Funds
<br /> sets a Icsser amount. If so, Lender may, at any time,collect and hold Funds in ar atnaunt not to exceed the lesser amount.
<br /> Lender may estimate the nmount of Funds due on the basis of current data nnd reasnnuble estimates of expenditures of future
<br /> Escrow Items or othenvise in accordance with npplicable law.
<br /> The Funds shall bc held in un instUUtion whaso deposits arc insurcd by a fcderal agency, instrumentality, or entity
<br /> (including Lender, if Lender is such an institution)or in any Federal Home I..oan Bank.I.cnder shall upply the Funds to pay the
<br /> Escrow Items. Lendcr may nat charge Bonowcr for holding and applying the Funds,annually nnalyztng the escrow account.or
<br /> verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such
<br /> u churge. However, Lender rnay require Borrower to pay a one•ttme charge for an independent real estnte tax reporting servlce
<br /> u� by L.cn�sr in conr,.;,tioo uiih thi� loan, unless�pplic.sbls la�: provida� aiherwi�c. L'nl;.ss an agr�nzr,i is ii�ic u�
<br /> applicable luw reyulres interest to be paid,I.ender shall not be required ta pay Borro�vcr any lnterest or earnings on the Funds.
<br /> Bonower and landor may agrce in writing, however,thAt Interest shall be paid on the Funds. Lender shall give to Borrower,
<br /> without chargu, un unnual accounting of the Funds. showing crcdits and debits tn the Funds and the purpose for whieh euch
<br /> debit to the Funds wns mado.The Funds ure pledged as additional security for al l surns secured by this Security Instrument.
<br /> If the Funds held by I.ender exceed the amounts permitted to be held by applicable IAw, Lendar shall account to Borrower
<br /> for tl�e excess Funds in Accordance with the requirements of applicable luw.If the amount of the Funds held by L.ender at any
<br /> time is not sufficient to pay the Escrow Items when due, Lender mny so notify Borcower in writing.and,in such case Bocrower
<br /> shall pay to Lender the amount neccssary to make up the dcficicr.cy. Bonowcr shall make up the deficiency in no more than
<br /> twelve monthly payments,at I.ender's sole discretion.
<br /> Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower nny
<br /> �unds held by Lender. If,under paregraph 21,Lendcr shsill ucquire or sell the Prapeny, Lender,prior to the acquisition or sale
<br /> of the Property,shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by
<br /> this Security instrument.
<br /> 3.AppNcation of PAyrnmts.Unless applicable law provides otherwise,all payrnents received by Lender under para�rapl�s
<br /> 1 and 2 shull be applied:first,to any prepuyment charges due under the Note; second,to arttaunts payable under paragraph 2;
<br />. third,to interest due;fourth, to principal due:and last,�o nny late charges due uncler the Note.
<br />: 4.Chargas; Ltens.Borrower shull pay all taxes,ussessment�,charges,fines and impositions attributable to the Property
<br /> which may attain priority over this Security Instrument, and leasehold payments or ground ren�s, if uny. Borrower shall pay
<br /> these obligations in tlie manner provided in paragrnph 2,or if nat paid in that manner,Bonower shall pay them on timc directly
<br /> to the persoa owed payment. Horrower shall promptly furnish to Lender all notices of amounts to be paid under this paregraph.
<br /> If Horrower makes these payrnents directly,Borrower shall promptly furnish to Lender receipts evidencing the payments.
<br /> Borrower shall promptly discharge any lien which h:is priority over this Security Instrument unless Burrower:(a)agrces in
<br /> writing to the p�yment of the obligation secured by the lien in a manner acceptuble to Lender; (b)contests in good faith the lien
<br /> by, or dcfends against enfomment of the licn in, Icgal proceedings which in the Lender's apinion operate to Rrevent the
<br />; enforcement of thc lien; or(c)secures from the holder of the lien an agreement satisfactory to Lender subordinnting the lien ta
<br /> this Security Instrument. [f I.cnder determincs that any part of the Property is sabj�c�to u lien which may attain prioriry over
<br />: this Security Instrument, l.ender may give Ronower a natice identcfying the lien.8c�rrowcr shall satisfy the lien or talce one or
<br />; more of the actions set funh above wit�nin 10 days of the�ivin�of notice.
<br />' Form 3028 9/80
<br />� Paye 7 0�6
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